Estate planning can be a tough topic to discuss or think about - you’re essentially pondering your own mortality and how to transfer multiple assets in a desired way. As challenging as the topic can be, it’s essential to be prepared and up to date with your documents. A proper estate plan is the best way to communicate your wishes to heirs after you’re no longer able to.

Health savings accounts (HSAs) can be more than just a way to tax efficiently pay for qualified medical expenses; you can also use your HSA in retirement. You are eligible to make contributions to an HSA if you have an HSA eligible health plan. An HSA is one of the most powerful types of accounts.

Have you ever been watching a really great movie, thoroughly enjoying it, only to be disappointed by the ending? You sense the ending is near, things take a turn for the worse, and you’re left with that overwhelming urge to say, ‘NO… make it stop, go back!’ I can relate. Haven’t you wished at times that you could rewrite certain endings? Imagined a different, more satisfying conclusion that would have truly made the movie better? While we might not have complete control over how our own life ends, we do have a say.

Tax planning is often most effective when it aligns with timing—when income changes, when deductions are available, and when key provisions expire or phase out. The One Big Beautiful Bill Act (OBBBA) extends and introduces tax rules that may create planning windows for certain households, particularly retirees, homeowners who itemize deductions, and families saving for education. This article summarizes selected changes and outlines planning considerations commonly reviewed under OBBBA.